Quote checker · Estimates only

Heat Pump Quote Reality Checker

A consumer financial stress-test: enter your gas bill and installer estimate to test running costs and rough 10/15/20-year totals. This is not an MCS Heat Pump Standard Performance Estimate (HPSPE) replica.

Independent, MCS-unaffiliated estimate. Nothing is saved.

Start checking your quote How this works

This is an independent consumer estimate, not an MCS Heat Pump Standard Performance Estimate. MCS-style figures are guidance only, not guarantees. Nothing you enter is saved to a server.

What this tool is

A consumer financial stress-test using your bills and quote figures. Not a design check or certification tool.

What this tool does

  • Compares current heating, new gas boiler baseline and heat pump running costs
  • Stress-tests the heat pump on a standard electricity tariff you choose
  • Flags common assumption issues and suggests installer questions

MCS-style figures and uncertainty

  • Quoted ASHP electricity can vary. Treat installer figures as roughly ±10% unless you have firmer data.
  • MCS and installer estimates are guidance, not guarantees.
  • ASHP vs new gas boiler is a consumer budgeting comparison, not an MCS certificate.

What it does not do

  • Verify system design, heat loss or MCS paperwork
  • Replace technical, financial or legal advice
  • Prove a quote is wrong. It only highlights assumptions you should clarify.

How to read your estimate first

How this is calculated
  • Net installation cost is the total quote minus grant or subsidy, plus any unclear extras and redecoration you enter.
  • Finance repayments affect annual household cashflow: (amount financed + charge for credit) ÷ repayment period.
  • The borrowed capital is not added again to 10/15/20-year totals because the installation price is already in net install cost.
  • Only the total charge for credit (interest and fees) is added once as an extra economic cost.
  • For a 0% loan with no fees, leave total charge for credit at 0.
  • To estimate total future household electricity use, add your existing household electricity use to the estimated heat pump electricity use, then adjust separately for any solar or battery contribution.
  • The ASHP running-cost comparison uses heat pump electricity for heating and hot water only, not your whole-house electricity bill.

Current heating system

How do I estimate my current boiler efficiency?

Use this as a rough guide only. If you do not know your boiler efficiency, check:

  • Boiler age: modern condensing gas boilers are often more efficient than older non-condensing boilers.
  • Boiler type: if it has a white plastic condensate pipe, it is likely to be a condensing boiler.
  • Installation year: if it is over 15–20 years old, do not assume it is still working at its original rated efficiency.
  • Evidence to look for: boiler make and model, installation year, service records, EPC heating section, manufacturer product data, or recent engineer comments.

Sensible starting points:

  • Older gas boiler: try 75–80%.
  • Older condensing boiler: try 80–88%.
  • Modern efficient gas boiler: try 88–92%.

If unsure, start with 80%, then test 75%, 85% and 90% to see how much the comparison changes.

This is only an estimate. It does not replace an engineer’s assessment.

If this is your supplier’s annual gas estimate, it may already include standing charge. Do not count standing charge twice.

Not sure? Try 80% for an older boiler, 90% for a modern efficient boiler, then compare both.

Use this only if your annual gas cost does not already include standing charge.

Enter annual service, boiler cover or expected repair cost only. Leave as 0 if you want an energy-only comparison.

Replacement gas boiler comparison

Standing charge note

Do not add standing charge twice. If your annual gas cost already includes it, leave section 1 standing charge as 0.

New gas boiler baseline

This comparison is for your own consumer decision-making, not a like-for-like MCS performance estimate of the heat pump.

MCS 031 uses 0.93 as a new boiler efficiency factor in its boiler table. You may wish to test 90–93% here.

Optional. Overrides estimated gas use if you have your own kWh figure.

Optional. Use this if you have your own estimate. If left blank, the checker estimates the running cost from your current gas use, boiler efficiencies and gas unit rate.

Payment for replacement boiler

Use this if the replacement boiler would also be paid monthly or financed. Leave as cash/upfront if you are comparing against paying for the boiler outright.

No repayment is applied for an upfront purchase.

Heat pump quote / installer estimate

Quote details

Demand assumptions

Performance assumptions

Running cost comparison

MCS-style estimates can vary. If this is quoted use, a rough band is about ±10% unless you have a firmer figure.

Use the installer’s estimated annual electricity cost for heating and hot water, if supplied.

Enter expected annual service, maintenance plan or warranty cost. Leave as 0 if you want a running-cost-only comparison.

Heat pump electricity is for heating and hot water only, not your whole-house bill for lights, appliances, cooking or EV charging.

Tariff assumptions

Rate used in the installer’s running-cost estimate.

Used to stress-test the quote without a special tariff.

Installation costs

Enter only the interest, fees or credit cost. If it is a 0% interest loan with no fees, enter 0.

Consumer financial stress-test, not an MCS HPSPE replica. MCS-style outputs are guidance, not guarantees.

Your comparison

Heat Pump Quote Reality Checker: summary (estimates only)

Enter figures from your bills and installer paperwork to see estimates.